Inez Deposit Bank, FSB

Headquarters

202 East Main Street
Louisa, KY 41230
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Inez Deposit Bank, FSB is an FDIC insured institution located in Louisa, KY. It was founded in 1891 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 2705
Date Established 1891
Assets $ 49.49 million
Loans $ 19.70 million
Deposits $ 43.30 million
Capital $ 5.70 million
 

For a more detailed analysis of Inez Deposit Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Inez Deposit Bank, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Inez Deposit Bank, FSB
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Branches

Inez Deposit Bank, FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Inez Deposit Bank, FSB Locations


Financial Details

Inez Deposit Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Inez Deposit Bank, FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Inez Deposit Bank, FSB U.S. Bank Average
14.27% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Inez Deposit Bank, FSB had $785,000 in non-current loans and $63,000 in owned real estate. To cover these potential losses it had $5,695,000 in equity and $246,000 in loans loss reserves. That gives it a Texas Ratio of 14.27%.

Return on Equity
Inez Deposit Bank, FSB U.S. Bank Average
0.54% 7.80%

Inez Deposit Bank, FSB has a Return on Equity of 0.54% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Inez Deposit Bank, FSB U.S. Bank Average
11.51% 12.68%

Inez Deposit Bank, FSB has a Capitalization of 11.51% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Inez Deposit Bank, FSB Balance Sheet Analysis

As of June 30, 2011, Inez Deposit Bank, FSB had assets of $49,494,000, loans of $19,701,000, and deposits of $43,299,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 19.70 million
Loan loss allowance $ 0.25 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.06 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 43.30 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 49.49 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Inez Deposit Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Inez Deposit Bank, FSB’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Inez Deposit Bank, Fsb

Branches and Savings

Is Inez Deposit Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #2705.

Why does Inez Deposit Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Inez Deposit Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Inez Deposit Bank, Fsb a commercial bank?

Yes

Where are Inez Deposit Bank, Fsb locations?

See branch locations nearby.

Is Inez Deposit Bank, Fsb open on Saturdays?

Is Inez Deposit Bank, Fsb open on Sundays?

What time does Inez Deposit Bank, Fsb open?

What time does Inez Deposit Bank, Fsb close?

Are Inez Deposit Bank, Fsb ATMs Open 24/7?

Do Inez Deposit Bank, Fsb ATMs accept cash deposits?

Can Inez Deposit Bank, Fsb customers use other ATMs?

Do Inez Deposit Bank, Fsb branches have notaries?

Will Inez Deposit Bank, Fsb notarize my document?

What address for Inez Deposit Bank, Fsb should I put for incoming ACH transfers?

Will the Inez Deposit Bank, Fsb branch print checks?

Do Inez Deposit Bank, Fsb checks expire?

Does Inez Deposit Bank, Fsb require US citizenship to open account?

Can Inez Deposit Bank, Fsb close my account?

Does Inez Deposit Bank, Fsb Report to credit bureaus?

Does Inez Deposit Bank, Fsb Use Equifax?

What is Inez Deposit Bank, Fsb's ACH Routing Number?

What is Inez Deposit Bank, Fsb's SWIFT code?

Products

Does Inez Deposit Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Inez Deposit Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Inez Deposit Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Inez Deposit Bank, Fsb offer student loans?

Will Inez Deposit Bank, Fsb cash a check?

Will Inez Deposit Bank, Fsb redeem a savings bond?

Does Inez Deposit Bank, Fsb cash savings bonds?

Will Inez Deposit Bank, Fsb cash money orders?

Can Inez Deposit Bank, Fsb issue a money order?

Does Inez Deposit Bank, Fsb do currency exchange?

Background on The Bank

Who owns Inez Deposit Bank, Fsb?

How long has Inez Deposit Bank, Fsb been around?

Can Inez Deposit Bank, Fsb transfer to other banks?

Does Inez Deposit Bank, Fsb have quick pay?

Does Inez Deposit Bank, Fsb accept rolled coins?

Will Inez Deposit Bank, Fsb accept loose change?

Where is Inez Deposit Bank, Fsb headquarters?

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